Adding a teen driver to your car insurance policy not only raise rates, but also your level of worry as a parent. This worry is not unfounded. Studies show that teens driver are a higher risk for their first few years of driving.  However, you can reduce your rates and stress. Here is what you should know about car insurance and good student discounts.

Qualifying For Good Student Auto Discount

WBR Insurance offers a good student discount for drivers 16 to 24. The student drivers must be full-time high school or college students and maintain a minimum B average.

To see if your student driver qualifies, you will need to provide proof of academic achievement, such as a current grade card or a form signed by a school administrator. If the student is homeschooled, the results from a standardized test, such as the PSAT, SAT or ACT, may be used, and the student must be in the top 20% of that test’s national performance.

Once your student has met the qualifications, WBR Insurance can assist you in selecting an auto insurance plan that properly covers your teen driver, and help you find the discounts that apply to your situation.

TIP: 10 of the Safest Cars for Teens in 2015 – When you and your teen are shopping for a new car, safety should be top priority. Here is a list of the top 10 safety picks by the Insurance Institute of Highway Safety: http://www.inthenation.com/safest-cars-for-teens-2015/

Keeping Your Teen Driver Safe

 

Studies show that parent’s have the greatest influence on their teen’s driving habits. Having clear rules and expectations set out in a written driving agreement can go a long way in establishing safe driving habits. Consider including the following components in the driving agreement with your teen.

  • Temporary Restrictions – Place temporary restrictions on your teen drivers driving with other teen passengers and your teen drivers driving at night. By gradually granting privileges over time, you help protect your teen driver from the highest-risk situations while they gain valuable driving experience.
  • Unconditional Rules – Establish unconditional rules for unsafe driving with consequences if your teen driver breaks them. Address consequences of drinking and driving, distracted driving, not wearing a seat belt and speeding.
  • Trip Conditions – Establish who, what, when, where, and why for all of your teen driver’s trips – including what to do if plans change. Establishing trip conditions gives parents of teen drivers the power to grant use of the car or exceptions to rules.
  • Consequences for Violations – Use specific examples to make sure your teen driver understands what will happen if they violate the driving agreement.

TIP: Safety tips for Parents of teen drivers- Thinking about your teen driver behind the wheel may make you anxious, but the key to raising a responsible teen driver is being a hands on mentor. Nationwide has compiled some teen driving resources to help. http://www.inthenation.com/teen-driving-safety/

At Virginia Beach insurance company WBR Insurance we offer a full portfolio of policies, including auto insurance. We pride ourselves in establishing personal relationships with our customers to assist you in protecting what matters most. To get a free quote for your Virginia Beach auto insurance needs, give us a call at 757-340-0028 or visit our website www.WBRInsurance.com.

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